Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.
Model this product
See what Retirement Plus Multiplier Annuity would do for you
Set your numbers and switch between growth strategies and liquidity scenarios. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.
Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$250,358
Gross crediting illustration at age 80 (Retirement Plus Multiplier Annuity)
Excludes the 1.25% current Growth Benefit: Accumulation Buy-Up Rider charge; 0.95% annual Income Multiplier: Guaranteed Lifetime Withdrawal Benefit Rider charge (optional rider; if elected). This is not a net contract value.
5.95%
Best S&P 500 1-yr point-to-point cap
Gross crediting illustration for each line; excludes the 1.25% current Growth Benefit: Accumulation Buy-Up Rider charge; 0.95% annual Income Multiplier: Guaranteed Lifetime Withdrawal Benefit Rider charge (optional rider; if elected).
S&P 500 Index — 5.95% Cap (Unknown · Annual)
✦
How crediting works: the cap limits positive index returns; a down index year has 0% index credit before rider charges. This illustration deducts no rider charge and is not a net contract value. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Retirement Plus Multiplier Annuity's published cap rate (5.95% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Gross crediting only: this illustration excludes the 1.25% current Growth Benefit: Accumulation Buy-Up Rider charge; 0.95% annual Income Multiplier: Guaranteed Lifetime Withdrawal Benefit Rider charge (optional rider; if elected) reported in the source. Applicable rider charges depend on contract terms; their deduction bases are not modeled. Each listed charge is not deducted, and no net contract value is shown. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.
Free Comparison Report
Get a Retirement Plus Multiplier Annuity rate report
See how Retirement Plus Multiplier Annuity compares for your age, state, premium, and income goals alongside other Atlantic Coast Life fixed indexed annuity options.
Run numbers for Retirement Plus Multiplier Annuity
rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Atlantic Coast Life product.
Live product data
Rates as of October 2, 2026, from AdvisorWorld and CANNEX.
Current lifetime withdrawal rate
Income benefit options
An income-capable Atlantic Coast Life FIA with an exact source-backed GLWB profile, multiple surrender-term variants, an S&P 500 annual cap, and separate fee-bearing income and accumulation-rider choices.
Confirm payout with carrier · no benefit selectedAdvisorWorld + CANNEX data
Best fit
Buyers seeking guaranteed lifetime withdrawals who want an exact rider profile and fee shown alongside multiple surrender-term choices and a mix of recognizable and proprietary index strategies.
AM Best
B Fair
Surrender options
5, 7, and 10 years
Free withdrawal
10%/yr
Availability
41 jurisdictions (restricted footprint)
Featured crediting strategies
Caps, participation rates, and declared rates are shown separately.
Index / strategyRate mechanicsCreditingSurrenderPremium
S&P 500
S&P 500 Index
5% cap rate
Rate effective Jan 1, 2026
Annual point-to-point
Requested state: TX
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
5% cap rate
Rate effective Jan 1, 2026
Annual point-to-point
Requested state: TX
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
5% cap rate
Rate effective Jan 1, 2026
Annual point-to-point
Requested state: TX
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
5.95% cap rate
Annual point-to-point
Requested state: TX
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
5.95% cap rate
Annual point-to-point
Requested state: TX
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
5.95% cap rate
Annual point-to-point
Requested state: TX
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
28% participation rate
Rate effective Jan 1, 2026
Annual point-to-point
Requested state: TX
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
28% participation rate
Rate effective Jan 1, 2026
Annual point-to-point
Requested state: TX
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
28% participation rate
Rate effective Jan 1, 2026
Annual point-to-point
Requested state: TX
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
38% participation rate
Annual point-to-point
Requested state: TX
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
38% participation rate
Annual point-to-point
Requested state: TX
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
38% participation rate
Annual point-to-point
Requested state: TX
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
Rate not shown
Rate effective Jan 1, 2026
Annual point-to-point
Selected state rate set (TX)
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
Rate unavailable for this rider selection
Rate effective Jan 1, 2026
Annual point-to-point
Selected state rate set (TX)
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
Rate not shown
Rate effective Jan 1, 2026
Annual point-to-point
Selected state rate set (TX)
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
Rate unavailable for this rider selection
Rate effective Jul 30, 2025
Annual point-to-point
Selected state rate set (TX)
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
Rate not shown
Rate effective Jan 1, 2026
Annual point-to-point
Selected state rate set (TX)
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
Rate unavailable for this rider selection
Rate effective Jan 1, 2026
Annual point-to-point
Selected state rate set (TX)
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
38% participation rate
Rate effective Jan 1, 2026
2-year point-to-point
Requested state: TX
2-year term · 5-year surrender · Does not vary by premium
2-year term
5-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
38% participation rate
Rate effective Jan 1, 2026
2-year point-to-point
Requested state: TX
2-year term · 7-year surrender · Does not vary by premium
2-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
38% participation rate
Rate effective Jan 1, 2026
2-year point-to-point
Requested state: TX
2-year term · 10-year surrender · Does not vary by premium
2-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
53% participation rate
2-year point-to-point
Requested state: TX
2-year term · 5-year surrender · Does not vary by premium
2-year term
5-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
53% participation rate
2-year point-to-point
Requested state: TX
2-year term · 7-year surrender · Does not vary by premium
2-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
53% participation rate
2-year point-to-point
Requested state: TX
2-year term · 10-year surrender · Does not vary by premium
2-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
Rate not shown
Rate effective Jan 1, 2026
2-year point-to-point
Selected state rate set (TX)
2-year term · 5-year surrender · Does not vary by premium
2-year term
5-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
Rate unavailable for this rider selection
Rate effective Jan 1, 2026
2-year point-to-point
Selected state rate set (TX)
2-year term · 5-year surrender · Does not vary by premium
2-year term
5-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
Rate not shown
Rate effective Jan 1, 2026
2-year point-to-point
Selected state rate set (TX)
2-year term · 7-year surrender · Does not vary by premium
2-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
Rate unavailable for this rider selection
Rate effective Jul 30, 2025
2-year point-to-point
Selected state rate set (TX)
2-year term · 7-year surrender · Does not vary by premium
2-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
Rate not shown
Rate effective Jan 1, 2026
2-year point-to-point
Selected state rate set (TX)
2-year term · 10-year surrender · Does not vary by premium
2-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
Rate unavailable for this rider selection
Rate effective Jan 1, 2026
2-year point-to-point
Selected state rate set (TX)
2-year term · 10-year surrender · Does not vary by premium
2-year term
10-year surrender
Does not vary by premium
Fixed Account
Fixed Account
3% declared rate
Rate effective Jan 1, 2026
Fixed account
Requested state: TX
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
Fixed Account
Fixed Account
3% declared rate
Rate effective Jan 1, 2026
Fixed account
Requested state: TX
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
Fixed Account
Fixed Account
3% declared rate
Rate effective Jan 1, 2026
Fixed account
Requested state: TX
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
Fixed Account
Fixed Account
Rate not shown
Rate effective Jan 1, 2026
Fixed account
Selected state rate set (TX)
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
Fixed Account
Fixed Account
Rate unavailable for this rider selection
Rate effective Jan 1, 2026
Fixed account
Selected state rate set (TX)
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
Fixed Account
Fixed Account
Rate not shown
Rate effective Jan 1, 2026
Fixed account
Selected state rate set (TX)
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
Fixed Account
Fixed Account
Rate unavailable for this rider selection
Rate effective Jul 30, 2025
Fixed account
Selected state rate set (TX)
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
Fixed Account
Fixed Account
Rate not shown
Rate effective Jan 1, 2026
Fixed account
Selected state rate set (TX)
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
Fixed Account
Fixed Account
Rate unavailable for this rider selection
Rate effective Jan 1, 2026
Fixed account
Selected state rate set (TX)
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
+ 36 additional crediting options (Aging of...)
Lifetime Income Riders
Income rider
Income Multiplier Benefit
RMD friendly
Confirm lifetime withdrawal percentages with the carrier. No income benefit has been selected.
Annual rider fee0.95% annual rider fee
Product analyst notes
How to think about this contract
Why it can stand out
The exact product filing publishes an Income Multiplier Guaranteed Lifetime Withdrawal Benefit Rider, with its current withdrawal mechanics and annual rider fee tied to income-benefit profile 0002939024.
The contract is filed in multiple surrender-period options, allowing buyers to choose the commitment period before comparing the crediting and income trade-offs.
The crediting menu pairs a recognizable S&P 500 annual point-to-point cap with the proprietary Aging of America Index across multiple participation windows.
Free-withdrawal terms, the surrender ladder, market value adjustment, and nursing-home, terminal-illness, and RMD waivers are displayed beside the rider economics.
What to confirm
The GLWB carries an annual rider fee deducted from account value. The rider fee and guaranteed income result must be evaluated together.
The separate Growth Benefit Accumulation Buy-Up Rider enhances crediting rates and has its own fee; it is not the lifetime-income rider. Do not combine the enhanced cap and GLWB economics as though they were one free tier.
The Aging of America Index participation rates are not directly comparable to an S&P 500 cap and should be evaluated using their own index rules and crediting windows.
Surrender charges and a market value adjustment can apply above the free-withdrawal amount, and Atlantic Coast Life's A.M. Best rating is below the A bracket. Those liquidity and issuer-strength facts remain relevant even when the income rider is selected.
Not ideal for
Buyers who want fee-free lifetime income, short-surrender liquidity, an A-bracket carrier, or who expect the Accumulation Buy-Up Rider's enhanced rates to be part of the GLWB without a separate cost.
Free Comparison Report
Get a Retirement Plus Multiplier Annuity rate report
See how Retirement Plus Multiplier Annuity compares for your age, state, premium, and income goals alongside other Atlantic Coast Life fixed indexed annuity options.
These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, state rate set, or rate type.
Par: 150% · 1-yr
Aging of America Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Jan 1, 20265-yr surrenderDoes not vary by premium
Par: 150% · 1-yr
Aging of America Index
Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Par: 28% · 1-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Jan 1, 20265-yr surrenderDoes not vary by premium
Par: 28% · 1-yr
S&P 500 Index
Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Cap: 5% · 1-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Jan 1, 20265-yr surrenderDoes not vary by premium
Cap: 5% · 1-yr
S&P 500 Index
Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Fixed: 3% · 1-yr
Fixed Account
Fixed account · 0% annual strategy fee
Requested state: TXRate effective Jan 1, 20265-yr surrenderDoes not vary by premium
Fixed: 3% · 1-yr
Fixed Account
Fixed account
Requested state: TX5-yr surrenderDoes not vary by premium
Par: 200% · 1-yr
Aging of America Index
Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Par: 38% · 1-yr
S&P 500 Index
Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Cap: 5.95% · 1-yr
S&P 500 Index
Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Fixed: 3% · 1-yr
Fixed Account
Fixed account
Requested state: TX5-yr surrenderDoes not vary by premium
Par: 200% · 2-yr
Aging of America Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Jan 1, 20265-yr surrenderDoes not vary by premium
Par: 200% · 2-yr
Aging of America Index
Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Par: 38% · 2-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Jan 1, 20265-yr surrenderDoes not vary by premium
Par: 38% · 2-yr
S&P 500 Index
Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Par: 275% · 2-yr
Aging of America Index
Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Par: 53% · 2-yr
S&P 500 Index
Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Par: 250% · 3-yr
Aging of America Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Jan 1, 20265-yr surrenderDoes not vary by premium
Par: 250% · 3-yr
Aging of America Index
Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Par: 350% · 3-yr
Aging of America Index
Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Rate not shown · 1-yr
Fixed Account
Fixed account
Selected state rate set (TX)Rate effective Jan 1, 20265-yr surrenderDoes not vary by premium
Rate not shown · 1-yr
Aging of America Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 20265-yr surrenderDoes not vary by premium
Rate not shown · 1-yr
S&P 500 Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 20265-yr surrenderDoes not vary by premium
Rate unavailable for this rider selection · 1-yr
Fixed Account
Fixed account
Selected state rate set (TX)Rate effective Jan 1, 20265-yr surrenderDoes not vary by premium
Rate unavailable for this rider selection · 1-yr
Aging of America Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 20265-yr surrenderDoes not vary by premium
Rate unavailable for this rider selection · 1-yr
S&P 500 Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 20265-yr surrenderDoes not vary by premium
Rate not shown · 2-yr
Aging of America Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 20265-yr surrenderDoes not vary by premium
Rate not shown · 2-yr
S&P 500 Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 20265-yr surrenderDoes not vary by premium
Rate unavailable for this rider selection · 2-yr
Aging of America Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 20265-yr surrenderDoes not vary by premium
Rate unavailable for this rider selection · 2-yr
S&P 500 Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 20265-yr surrenderDoes not vary by premium
Rate not shown · 3-yr
Aging of America Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 20265-yr surrenderDoes not vary by premium
Rate unavailable for this rider selection · 3-yr
Aging of America Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 20265-yr surrenderDoes not vary by premium
Rate not shown · 1-yr
Fixed Account
Fixed account
Selected state rate set (TX)Rate effective Jan 1, 20267-yr surrenderDoes not vary by premium
Rate not shown · 1-yr
Aging of America Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 20267-yr surrenderDoes not vary by premium
Rate not shown · 1-yr
S&P 500 Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 20267-yr surrenderDoes not vary by premium
Rate unavailable for this rider selection · 1-yr
Fixed Account
Fixed account
Selected state rate set (TX)Rate effective Jul 30, 20257-yr surrenderDoes not vary by premium
Rate unavailable for this rider selection · 1-yr
Aging of America Index
Point-to-point
Selected state rate set (TX)Rate effective Jul 30, 20257-yr surrenderDoes not vary by premium
Rate unavailable for this rider selection · 1-yr
S&P 500 Index
Point-to-point
Selected state rate set (TX)Rate effective Jul 30, 20257-yr surrenderDoes not vary by premium
Rate not shown · 2-yr
Aging of America Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 20267-yr surrenderDoes not vary by premium
Rate not shown · 2-yr
S&P 500 Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 20267-yr surrenderDoes not vary by premium
Rate unavailable for this rider selection · 2-yr
Aging of America Index
Point-to-point
Selected state rate set (TX)Rate effective Jul 30, 20257-yr surrenderDoes not vary by premium
Rate unavailable for this rider selection · 2-yr
S&P 500 Index
Point-to-point
Selected state rate set (TX)Rate effective Jul 30, 20257-yr surrenderDoes not vary by premium
Rate not shown · 3-yr
Aging of America Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 20267-yr surrenderDoes not vary by premium
Rate unavailable for this rider selection · 3-yr
Aging of America Index
Point-to-point
Selected state rate set (TX)Rate effective Jul 30, 20257-yr surrenderDoes not vary by premium
Rate not shown · 1-yr
Fixed Account
Fixed account
Selected state rate set (TX)Rate effective Jan 1, 202610-yr surrenderDoes not vary by premium
Rate not shown · 1-yr
Aging of America Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 202610-yr surrenderDoes not vary by premium
Rate not shown · 1-yr
S&P 500 Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 202610-yr surrenderDoes not vary by premium
Rate unavailable for this rider selection · 1-yr
Fixed Account
Fixed account
Selected state rate set (TX)Rate effective Jan 1, 202610-yr surrenderDoes not vary by premium
Rate unavailable for this rider selection · 1-yr
Aging of America Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 202610-yr surrenderDoes not vary by premium
Rate unavailable for this rider selection · 1-yr
S&P 500 Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 202610-yr surrenderDoes not vary by premium
Rate not shown · 2-yr
Aging of America Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 202610-yr surrenderDoes not vary by premium
Rate not shown · 2-yr
S&P 500 Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 202610-yr surrenderDoes not vary by premium
Rate unavailable for this rider selection · 2-yr
Aging of America Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 202610-yr surrenderDoes not vary by premium
Rate unavailable for this rider selection · 2-yr
S&P 500 Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 202610-yr surrenderDoes not vary by premium
Rate not shown · 3-yr
Aging of America Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 202610-yr surrenderDoes not vary by premium
Rate unavailable for this rider selection · 3-yr
Aging of America Index
Point-to-point
Selected state rate set (TX)Rate effective Jan 1, 202610-yr surrenderDoes not vary by premium
Other contract riders and charges
Growth Benefit: Accumulation Buy-Up Rider
Published rider charge: 1.25% (current). This charge is separate from strategy crediting rates. Confirm charge frequency and basis in the carrier contract.
Income riders
Income rider
Income Multiplier: Guaranteed Lifetime Withdrawal Benefit Rider
RMD friendly
Confirm lifetime withdrawal percentages with the carrier.
Lifetime withdrawal rateNot shown
Annual rider fee0.95%
Joint availabilityJoint life
GLWB
Linked review
Retirement Plus Multiplier Annuity review notes
Atlantic Coast Retirement Plus Multiplier FIA offers tax-deferred growth, principal protection, and flexible income options for retirees.
Common questions about Retirement Plus Multiplier Annuity
● Can I lose money in Retirement Plus Multiplier Annuity?
A negative index return by itself does not reduce the contract's account value: Retirement Plus Multiplier Annuity credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.
● When can I access my money without a surrender charge?
Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
● How do Retirement Plus Multiplier Annuity's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another available Retirement Plus Multiplier Annuity strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.
Key Features
Free withdrawal
10%/yr
Annual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3
Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
Standard Death Benefit
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Cap-rate floor
1.00%
Minimum guaranteed cap for cap-based indexed strategies.
Fixed account guarantee
2.40%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
10.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Annuitization options
Certain period, Single life
Published payout options from the normalized contract facts.
Fund types
Non-qualified, Qualified
Availability can vary by state and product terms.
Surrender schedule
Yr 1
10%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Documents
brochure
ACL-RPM-BR-OT-112024.pdf
Confidence: highReviewed Apr 6, 2026
Direct link not published — request the document from the carrier.
Carrier Ratings
AM BestB
Contract notes from product data
Crediting design
How the interest-crediting choices are framed
Retirement Plus Multiplier Annuity currently shows 26 distinct indexed or fixed crediting choices across 57 displayed rate entries, including S&P 500 Index, with 12 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.
What to look for before treating the rider as income
Income Multiplier: Guaranteed Lifetime Withdrawal Benefit Rider is the main income rider listed for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.
0.95% rider fee
RMD friendly
Joint life availability
Liquidity terms
Why access rules deserve as much attention as rates
A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.
10%/yr free withdrawal
10 surrender years
Nursing home waiver
RMD waiver
Terminal illness waiver
Verification note
Use carrier materials as term evidence, then confirm the current version
Carrier materials such as ACL-RPM-BR-OT-112024.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Rates and rider terms can vary by state and issue age
Carrier guarantees depend on claims-paying ability
Current contract forms should be confirmed before purchase
Free Comparison Report
Get a Retirement Plus Multiplier Annuity rate report
See how Retirement Plus Multiplier Annuity compares for your age, state, premium, and income goals alongside other Atlantic Coast Life fixed indexed annuity options.
Cite this page for its methodology or interpretation. Current figures may refresh, so this canonical page URL is not a frozen data citation. To quote a market statistic, use the citation showing its observed as-of date and immutable JSON verification URL published by the Annuity Rate Statistics hub. Bulk product-level CANNEX records are not licensed for redistribution.